Every career journey is personal. That's why we empower you with the tools and support to create your own success story.

Be challenged. Be heard. Be valued. Be you ... be here.

Job Summary

The Technology and Cyber Governance Staff for AI Governance is an individual contributor responsible for designing, implementing, and continuously improving governance frameworks and control environments, with a primary focus on Artificial Intelligence (AI) including Generative and Agentic AI technology risk management. This role will partner across Technology, Cybersecurity, Data and Analytics, and Risk to ensure AI capabilities are deployed responsibly, securely, and in alignment with regulatory expectations and enterprise risk appetite. The role will require strong business acumen, technical fluency, and the ability to translate complex risks into clear, actionable governance practices for executive stakeholders.

Essential Job Functions

• Design and implement AI governance frameworks, including policies, standards, and control libraries aligned to regulatory and industry guidance (e.g., NIST AI RMF, NIST CSF, OWASP). - (15%)

• Define and operationalize controls across the AI lifecycle (data sourcing, model development, validation, deployment, monitoring, and retirement), emphasizing manual and data-driven approaches where possible. - (15%)

• Establish guardrails for responsible AI, including bias management, explainability, transparency, model risk management, and ethical use. - (15%)

• Identify, assess, and monitor AI-related risks, including model risk, data risk, privacy risk, and third-party exposure. - (15%)

• Partner with second-line risk teams to align AI controls with enterprise risk frameworks, risk appetite, and oversight expectations. - (10%)

• Partner with AI governance and security teams to ensure consistent alignment across technology and cyber control environments. - (10%)

• Develop, track, and report AI-related KRIs and KPIs to enable executive, risk committee, and board-level visibility and decision-making. Integrate AI governance into existing Technology and Cyber GRC processes, including issue management, risk acceptances, and control testing. - (10%)

• Enable governance tooling (e.g., GRC platforms, model registries, monitoring tools) to automate control execution, monitoring, and reporting. - (5%)

• Monitor evolving AI regulations and industry standards; translate requirements into actionable controls, support exams/audits, and advise cross-functional teams to drive consistent adoption across business units. - (5%)

Minimum Qualifications

• Bachelor’s Degree in Information Technology, Cybersecurity, Data Science, Artificial Intelligence, Risk Management, or related field of study or equivalent, relevant work experience

• 8+ years of experience in Technology Risk, Cybersecurity, Data Governance, or related discipline.

• Demonstrated experience designing and implementing governance frameworks and controls.

• Experience working with enterprise GRC processes (risk assessments, control design, issue management).

Preferred Qualifications

• Master’s Degree in Information Technology, Cybersecurity, Data Science, Artificial Intelligence, Risk Management, or related field of study or equivalent, relevant work experience

• Certified Information Systems Security Professional (CISSP) - International Information System Security Certification Consortium

• AWS Cloud Practitioner Certification

• ISACA, CRISC, AI Certifications

• Experience developing or governing AI/ML models, including model lifecycle management and model risk controls.

• Familiarity with frameworks such as OWSAP, NIST AI Risk Management Framework, NIST CSF 2.0, ISO 27001/42001, or similar.

• Experience in financial services or other highly regulated industries.

Skills

• Artificial Intelligence (AI)

• Artificial Intelligence Strategy

• IT Governance Risk and Compliance (GRC)

• NIST Cybersecurity Framework (CSF)

• Risk Analytics

• Risk Management

• Business Metrics

• Executive Communications

• Data Governance

Reports To: Senior Manager and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% quarterly

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing

• Communicate/Talking

• Typing/Writing

• Focus and complete tasks in situations that have a speed or productivity metric

• Maintain focus in high pressure or fast-paced work environment

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Salary Range (unless otherwise noted below):

$108,300.00 - $196,300.00

Full Salary Range for position:

California: $124,600.00 - $245,400.00

Colorado: $108,300.00 - $206,100.00

New York: $119,200.00 - $245,400.00

Washington: $113,700.00 - $225,700.00

Maryland: $113,700.00 - $215,900.00

Washington DC: $124,600.00 - $225,700.00

Illinois: $108,300.00 - $215,900.00

New Jersey: $124,600.00 - $225,700.00

Vermont: $108,300.00 - $196,300.00

Ohio: $108,300.00 - $196,300.00

Maine: $108,300.00 - $196,300.00

Connecticut: $119,200.00 - $215,900.00

Virginia: $108,300.00 - $196,300.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders.

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial’s 401(k) plan.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click here for more Benefits information.

About Bread Financial®

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

• The Company is an Equal Opportunity Employer.

• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.

• The Company participates in E-Verify.

• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.

• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at TaOps@breadfinancial.com.

Job Family:

Information Technology

Job Type:

Regular